# Budget Zero vs Paymatch

The clearest difference is in-app purchases: Paymatch at none against Budget Zero's 3. Paymatch also leads on iOS requirement (12.0 vs 18.0). Budget Zero's advantage is update cadence (every 3 days vs every 2 weeks). On price, ads and device support there is nothing between them.

Both are free to download. Budget Zero sells 3 in-app purchases, starting at $3.99 per month. Paymatch asks for nothing beyond the download.

Budget Zero ships an update every 3 days, Paymatch every 2 weeks. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Budget Zero | Paymatch |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (6 ratings)](https://appshunter.io/ios/app/budget-zero-money-manager/id6482576006/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 days** | Every 2 weeks |
| Monetization | Freemium | — |
| Size | 21 MB | 46 MB |
| Requires iOS | 18.0 | **12.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | +4 | 17+ |
| Developer | [Grey Park, LLC](https://appshunter.io/developer/1739831354) | [TECNOVICE TECHNOLOGIES LTD](https://appshunter.io/developer/1738759899) |

## What reviewers say

### Budget Zero

[App page](https://appshunter.io/ios/app/budget-zero-money-manager/id6482576006)

This app offers a private and simple way to manage your money using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, helping you track every dollar and stay mindful of your spending.

**Highlights:** Zero-based envelope budgeting, Manual transaction logging, No bank account linking, Private and secure, Offline functionality, Monthly budget periods

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $3.99 | per month |
| Yearly Subscription | $29.99 | per year |
| Lifetime Access | $79.99 | one-time |


### Paymatch

[App page](https://appshunter.io/ios/app/paymatch/id6739977662)

**In-app purchases:** none


## Frequently asked questions

### Is Budget Zero free?

Budget Zero is free to download, with in-app purchases available.

### Is Paymatch free?

Paymatch is free to download, with no in-app purchases.

### Do Budget Zero or Paymatch have ads?

Neither Budget Zero nor Paymatch shows ads.

### Which is updated more often, Budget Zero or Paymatch?

Budget Zero ships an update every 3 days, and Paymatch every 2 weeks. Most recently, Budget Zero was updated on October 27, 2026 and Paymatch on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*